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Covered California Q&A

Covered California and Obamacare related questions from consumers, employers and agents are answered by Phil Daigle with the best information available at the time. Archived entries may no longer be accurate as the Covered California and Obamacare knowledge-base is evolving quickly. TO REQUEST A PERSONAL RESPONSE INCLUDE EMAIL ADDRESS.


Standard Plans - HMO or PPO?

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Question: Are Covered California standard copay plans for hmos and the coinsurance plans for insurance companies?

Answer: The clear distinctions between HMO and PPO plans, will no longer exist. In the new order, copay plans have the same deductibles and out-of-pocket maximums as the coinsurance plans. The coinsurance plans use copays nearly as much as the copay plans do. There are only minor differences. It’s a whole new ball game. Covered California standard plan benefit designs.

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